Credit union · NCUA insured
Mutual Credit Union Auto Loan Rates
Mutual Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Mutual Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Mutual Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mutual Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle Loans
Lowest rate
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
Mutual Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mutual Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loans
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Up to 100% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 36 months | 3.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 48 months | 4.19% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 60 months | 4.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 72 months | 5.89% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 84 months | 6.39% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
Sources (1)
- mutualcu.org/personal/auto-loans/buy · captured Oct 7, 2026
Used Vehicle Loans
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Up to 100% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 36 months | 3.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 48 months | 4.19% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 60 months | 4.99% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 72 months | 5.89% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
| up to 84 months | 6.39% | Rate is listed as low as and varies based on credit qualifications and vehicle collateral. |
Sources (1)
- mutualcu.org/personal/auto-loans/buy · captured Oct 7, 2026
Who can join Mutual Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school within the credit union's designated service area across counties and parishes in Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
Cost to join
- Members can join the credit union with as little as $15.
Membership information collected October 4, 2026.